Insurance?

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cpap

SXS Nation Rookie
Dec 16, 2020
18
9
54
SC
Side X Side(s)

None yet

I just got my maverick and am struggling with the insurance thing. I don't have a loan against it so there is no requirement to have it insured. I am committed to the idea of liability coverage. The struggle I have is getting collision/comprehensive on an off road machine that I don't need it to get to work on Monday and if I do make a collision/comprehensive claim I am having an impact on every other insurance policy I have. I would be reluctant to use the coverage.

The insurance quotes I am getting are between 600-900 per year w/500 deductible in South Carolina which seems really high for what I get. I am going to look at high deductible options that might be a happy medium.

What is everyone doing for insurance? Anything other perspectives on this that might help me make a decision?
 

airshot

SXS Nation Expert
Dec 20, 2016
730
341
Perrysburg, Ohio
Side X Side(s)

Kymco 450i UXV

I am in Ohio, so not sure how our rates are comlared to your state. In Ohio we get " motorcycle ins with an "offroad" addition.
Here I carry full coverage, 50/100k just like a car. My SxS policy if thru a different company than my auto or home. Mine is a 250 deductable for all. I do have an excellent driving record and I am 70 yrs old. In my area I can ride on back roads so ins is a must. I get my ins thru Safeco at 100 for a full year on my 2015 Kymco 450i.
 

airshot

SXS Nation Expert
Dec 20, 2016
730
341
Perrysburg, Ohio
Side X Side(s)

Kymco 450i UXV

I might also add, that many riding places do require insurance coverage and require proof. Your performance machine is gonna cost more than my utility machine but....I would not be without it...just in case....!
 

89sandman

SXS Nation Rookie
Jul 11, 2020
24
8
50
Eugene
Side X Side(s)

Yxz, Rzr

I bought my Razor 2 years ago and have it insured full coverage through State Farm for just under $400 a year with a $500 deductable. Bought my yxz a few months ago and State Farm wanted double that for the same coverage. My agent told me that State Farm is not really interested in insuring them anymore. Too many losers with no skill doing stupid stuff and then claiming insurance. So got about the same coverage from Allstate for about the same price. Paid cash for both, my rule is if it's worth over 10k it gets full coverage.
 

Seastacker

Moderator
Feb 1, 2016
2,887
1,849
SE Michigan
Side X Side(s)

2019 Polaris General 4

My personal opinion is that these things are just too expensive to not have coverage on regardless of the loan status. They total out easy from roll overs and frame damage (think catching a tire on a tree, frames bend easy at a-arms). Think garages, barns, structures burning down as well. It may be one in a thousand, but when it happens, its bad. Many of us have about as much into them as a decent car. Even if I don't rely on it for day to day transport, the financial investment is substantial. If you are in a position to absorb the amount you have into it from a loss, then I would say you are good to go....just get really good liability coverage or ensure liability is covered under an umbrella policy you may carry. If you cant absorb it, shop around for a good rate for full coverage. You will find rates vary greatly. Also, when you get the policy make sure you have enough accessory coverage to cover what you plan to have into it. Many policies come with $3k in accessory but that can be exhausted VERY quickly.
 
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cpap

SXS Nation Rookie
Dec 16, 2020
18
9
54
SC
Side X Side(s)

None yet

Thanks for the input. I guess living in South Carolina and having 1 at fault accident 6 months ago (1st one in 37 years) is costing me. I think we are going with a higher deductible policy so I am covered for the really big stuff. Markel and Foremost are competitive; probably going with Foremost.
 
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airshot

SXS Nation Expert
Dec 20, 2016
730
341
Perrysburg, Ohio
Side X Side(s)

Kymco 450i UXV

Been in your shoes a number of years back. My one accident raised my auto ins but that is when I seoerated my toys from the auto ins company. My boat is thru the house ins and my SxS has its own policy. While it may save to bundle most of the time, if you have one black mark, it might pay to seperate your policies. Do get lots of quotes as you never know which company wants new buisness. Rates all come down to how many claims a particular ins company has had in the past couple years in your state/area.
 

CaddyTrey3

SXS Nation Rookie
Jan 14, 2021
1
0
43
Delaware
Side X Side(s)

2014 Polaris RZR 1000 xp4

I'm new to forums and new to the SXS ownership world but insurance what I do for a living so I understand the pain and frustration. As has been suggested, separate the toys from the other stuff (home, auto, boat, life) only because it's more likely to have an issue with SXS than your auto and it will affect your rates. I'm not in your state so I can't directly assist but I've insured several friends with Progressive...they rely heavily on credit and driver history so it can out whack quickly if any history exists. Our best option however has been with Foremost Insurance; I'd say look them up online and see if there is an Agent locator tab, prices have always been the best we've seen. One easy tool to help manage cost is the deductible, if you aren't turning in a claim for less than 2,500 in damage, don't carry a $250 or $500 deductible.... Good luck and enjoy,
 

kawa001

SXS Nation Rookie
Jan 5, 2021
5
0
Northern VA
Side X Side(s)

2021 RZR Pro XP 4 Ultimate

I gotta say USAA totally hooked me up and they did it on the phone while I was sitting at the sales manager's desk filing out the ownership transfer. I got full coverage on a 21 RZR Pro XP 4 Ultimate. Coverage was written in WV where it's legal to operate a plated SXS on most roads. Hope this helps.
 

cpap

SXS Nation Rookie
Dec 16, 2020
18
9
54
SC
Side X Side(s)

None yet

Thanks for all the input, I ended up going with Foremost $481/year with $1000 deductible. It seemed like good coverage for the big stuff.
 

airshot

SXS Nation Expert
Dec 20, 2016
730
341
Perrysburg, Ohio
Side X Side(s)

Kymco 450i UXV

As I stated earlier, it all depends on where you live. Those ratws might be good for your area, just glad I dont live there!! Gotta have the insurance though, especially the liability stuff...
 

Seastacker

Moderator
Feb 1, 2016
2,887
1,849
SE Michigan
Side X Side(s)

2019 Polaris General 4

That's not a bad deal. I pay $550 a year for both my General and Honda 250R. Most of the cost is in the General. Seems like a reasonable deal. Well worth the cost to protect the investment.
 

Supercup

SXS Nation Rookie
May 10, 2020
2
1
60
So Cal
Side X Side(s)

XP Pro 4 Ultimate

I have 2020 XP Pro 4 Ultimate - also looking for insurance - thx for information - having agent look into Foremost. Here is CA not as many options - got quotes from Progressive and Geico - with $1,000 deductible - both were around $1,000 per year. Hoping to get something for better overall pricing - theft and liability are the most important things for me, as I am pretty much past my dumb $#i! days, but saw someone who got t-boned by a buggy this past weekend at the dunes - so there is the "other" dumb $#i! you have to insure for!